CREDIT CARDS (REGULATION)

In the case of a complaint or problem with a credit card, a consumer should ordinarily contact the customer services office of the corporation that issued the card before taking other action. If the problem involves an act or omission of a retailer that was paid by using a credit card, the consumer should first try to resolve the problem by contacting the merchant. A consumer may also contact a consumer protection or law enforcement agency in the area or state where the corporation issued the credit card.

charges for which the consumer requests an explanation or documentation, due to a possible error.

The FCBA generally applies only to "open end" credit accounts-credit cards, revolving charge accounts, and overdraft checking accounts. It does not apply to loans or credit sales that are paid according to a fixed schedule until the entire amount is paid back, such as an automobile loan.